---
title: "Founder Shield vs HUB International Key Person Insurance"
description: "Founder Shield places A- or better key person carriers for startups; HUB brokers the line inside executive benefits."
canonical: "https://spot.insure/compare/foundershield-vs-hub-international/key-person"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Founder Shield vs HUB International Key Person Insurance

Founder Shield places A- or better key person carriers for startups; HUB brokers the line inside executive benefits.

## Research Scope and Use

Use this comparison to evaluate Founder Shield and HUB International for Key Person Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Founder Shield places key person life and disability with third-party carriers rated A- or better, aimed at startups, R&D companies and indebted businesses. HUB brokers the same named coverages inside executive-benefits packages for C-suite retention and technology companies. [7](https://foundershield.com/about-us/ "About Us") [6](https://foundershield.com/coverage/key-person-insurance/ "Key Person Insurance") [11](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

## What Is Founder Shield Insurance?

Founder Shield is a commercial insurance broker for venture-backed and growing businesses. Buyers can request coverage through its online portal and work with advisors on insurer selection, policy changes and claims reporting. [1](https://foundershield.com/ "Founder Shield") [2](https://apx.foundershield.com/ "Quote Portal") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [4](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/ "What If Our Company Grows A Lot or Things Change During the Year?") [5](https://foundershield.com/claims/ "Claims")

[Founder Shield profile](https://spot.insure/insurance-providers/foundershield)

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [8](https://www.hubinternational.com/about-us/ "About Us") [9](https://www.hubinternational.com/contact-us/ "Contact Us") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Key Person Insurance?

Key person insurance pays the business, not the person’s family, when a founder, partner or employee it relies on dies. Disability, overhead expense and buyout funding are separate products to discuss on their own. [12](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [13](https://content.naic.org/sites/default/files/publication-lig-lp-consumer-life.pdf "Life Insurance Buyer’s Guide") [14](https://www.principal.com/businesses/protect-my-business/key-person-protection "Key person protection") [15](https://www.sec.gov/Archives/edgar/data/1043846/000119312517327052/d481410dex99e.htm "Specimen Application for Life Insurance")

## Key Differences in Key Person Insurance

### Two Brokerage Practices

Founder Shield is a retail brokerage, described as the innovation arm of The Baldwin Group, and places key person insurance with third-party carriers rather than underwriting it. HUB likewise brokers key person life and disability rather than issuing the policies, but houses the line in its executive-benefits practice next to private wealth management and other individual coverages. Founder Shield says it uses carriers rated A- or better by AM Best; HUB’s reviewed pages do not name an insurer. [7](https://foundershield.com/about-us/ "About Us") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [11](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite")

### Startup and Creditor Framing Versus C-Suite Packages

Founder Shield markets the coverage to startups and small businesses reliant on a single founder or employee, technology and R&D companies protecting key innovators, and businesses with significant debt that need to reassure creditors. HUB markets it as part of executive-benefits packages aimed at attracting and retaining C-suite and other high-performing leaders, and its technology-industry page lists key person life and disability among coverages arranged for technology companies. [6](https://foundershield.com/coverage/key-person-insurance/ "Key Person Insurance") [11](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

### How Benefits Are Worded

Founder Shield describes a lump-sum life payout on death and a regular disability payout if the individual cannot work. HUB lists key person life and key person disability as separate offerings alongside term or permanent life and individual disability insurance for executives, without publishing lump-sum versus regular-payout wording or benefit amounts. [6](https://foundershield.com/coverage/key-person-insurance/ "Key Person Insurance") [11](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite")

### How You Start

You request Founder Shield coverage through its website or an insurance advisor; the placement team then approaches carriers. HUB directs prospective clients to a Contact HUB form and says executive-benefits clients reach specialists across retirement, private wealth, employee benefits, risk services and personal insurance. [7](https://foundershield.com/about-us/ "About Us") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [11](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite")

## What to Confirm in Key Person Insurance Quotes

- Ask Founder Shield which AM Best-rated carrier is on the quote. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")
- Ask HUB which insurer issues the policy and whether it is packaged with other executive benefits. [11](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite")
- Confirm whether each quote is a lump-sum death benefit, a regular disability benefit, or both. [6](https://foundershield.com/coverage/key-person-insurance/ "Key Person Insurance") [11](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite")
- Get dollar limits; HUB’s reviewed pages do not publish them. [11](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite")

## Offering Details

| Criteria | Founder Shield Key Person Insurance | HUB International Key Person Life and Disability Insurance |
| --- | --- | --- |
| Role in This Line | Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Key Person Insurance with third-party carriers rather than underwriting the policy itself. [7](https://foundershield.com/about-us/ "About Us") (Evidence: Company-reported; scope: About-us page; applies to Founder Shield's brokerage model generally, restated here for this line..) | HUB brokers key person life and disability insurance as one line within its executive benefits practice, alongside private wealth management and other individual coverages, rather than underwriting the policies itself. [11](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") (Evidence: Company-reported; scope: Executive benefits product page offerings list; the page does not name an issuing insurer..) |
| Issuing Insurer | Founder Shield says it places policies, including Founder Shield Key Person Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: General carrier-selection FAQ, not specific to this line's placements..) | Neither the executive benefits page nor the technology-industry page names the insurer that issues a key person life or disability policy. [11](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Not found in reviewed sources; scope: Checked both pages on 2026-09-23..) |
| Who It’s For | Founder Shield markets key person coverage to startups and small businesses reliant on a single founder or employee, technology and R&D companies protecting key innovators, and businesses with significant debt that need to reassure creditors. [6](https://foundershield.com/coverage/key-person-insurance/ "Key Person Insurance") (Evidence: Company-reported; scope: Key Person Insurance & CFI product page, key-person component only..) | HUB markets key person insurance as part of executive benefits packages aimed at organizations seeking to attract and retain C-suite and other high-performing leaders; its technology-industry page separately lists key person life and disability among coverages it arranges for technology companies. [11](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Executive benefits page target-client framing and the technology-industry page's People Protection list; not an underwriting appetite statement..) |
| Coverage Features | Founder Shield describes Key Person Life Insurance as a lump-sum payout to the business if a key individual dies, and Key Person Disability Insurance as a regular payout if that individual becomes unable to work. [6](https://foundershield.com/coverage/key-person-insurance/ "Key Person Insurance") (Evidence: Company-reported; scope: Product page; the issued policy and declarations control actual coverage. The page bundles a separate Contract Frustration product not covered by this record..) | HUB lists Key Person life insurance and Key Person disability insurance as separate offerings within its executive benefits lineup, alongside term or permanent life insurance and individual disability insurance for executives. [11](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") (Evidence: Company-reported; scope: Executive benefits page offerings list; the reviewed pages do not describe policy terms, exclusions or triggers for either product..) |
| Limits and Retentions | Not described in the reviewed sources. | Published key person life or disability benefit amounts, limits or pricing were not found on the reviewed pages. [11](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Not publicly disclosed; scope: Checked the executive benefits page and technology-industry page on 2026-09-23; amounts depend on underwriting and the client's chosen benefit design..) |
| Risk Services | Not described in the reviewed sources. | HUB says clients working on executive benefits, including key person coverage, get access to specialists across retirement services, private wealth management, employee benefits, risk services and personal insurance. [11](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") (Evidence: Company-reported; scope: Executive benefits page specialist description; not specific to a single key person engagement..) |
| How to Apply | You request Founder Shield Key Person Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. [7](https://foundershield.com/about-us/ "About Us") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: About-us and carrier-selection pages describe the general placement process, not a line-specific application form..) | The executive benefits page directs prospective clients to "Contact HUB" through a form rather than describing a self-service quote process for key person coverage. [11](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") (Evidence: Company-reported; scope: Executive benefits page call-to-action text..) |

## Full Comparison

- [Founder Shield vs HUB International](https://spot.insure/compare/foundershield-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Key Person Insurance?](https://spot.insure/coverage/key-person): Key person life insurance is intended to pay your business money if an insured founder or employee it depends on dies.
- [Founder Shield vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/foundershield-vs-hub-international/cargo-transit)
- [Founder Shield vs HUB International Commercial Property Insurance](https://spot.insure/compare/foundershield-vs-hub-international/commercial-property)
- [Founder Shield vs HUB International Crime Insurance](https://spot.insure/compare/foundershield-vs-hub-international/crime)
- [Founder Shield vs HUB International Cyber Insurance](https://spot.insure/compare/foundershield-vs-hub-international/cyber)
- [Founder Shield vs HUB International D&O Insurance](https://spot.insure/compare/foundershield-vs-hub-international/directors-officers)
- [Founder Shield vs HUB International Employee Health Benefits](https://spot.insure/compare/foundershield-vs-hub-international/employee-health-benefits)
- [Founder Shield vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/foundershield-vs-hub-international/employment-practices)
- [Founder Shield vs HUB International Fidelity Bonds](https://spot.insure/compare/foundershield-vs-hub-international/fidelity-bonds)
- [Founder Shield vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/foundershield-vs-hub-international/fiduciary)
- [Founder Shield vs HUB International General Liability Insurance](https://spot.insure/compare/foundershield-vs-hub-international/general-liability)
- [Founder Shield vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/foundershield-vs-hub-international/hired-non-owned-auto)
- [Founder Shield vs HUB International Product Liability Insurance](https://spot.insure/compare/foundershield-vs-hub-international/product-liability)
- [Founder Shield vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/foundershield-vs-hub-international/professional-errors-omissions)
- [Founder Shield vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/foundershield-vs-hub-international/representations-warranties)
- [Founder Shield vs HUB International Telehealth Insurance](https://spot.insure/compare/foundershield-vs-hub-international/virtual-care-telehealth)
- [Founder Shield vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/foundershield-vs-hub-international/umbrella-excess)
- [Founder Shield vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/foundershield-vs-hub-international/workers-compensation)
- [Alliance Risk vs Founder Shield Key Person Insurance](https://spot.insure/compare/alliance-risk-vs-foundershield/key-person)
- [Alliance Risk vs HUB International Key Person Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/key-person)
- [Embroker vs Founder Shield Key Person Insurance](https://spot.insure/compare/embroker-vs-foundershield/key-person)
- [Embroker vs HUB International Key Person Insurance](https://spot.insure/compare/embroker-vs-hub-international/key-person)
- [Founder Shield vs RiskCube Key Person Insurance](https://spot.insure/compare/foundershield-vs-riskcube/key-person)
- [HUB International vs RiskCube Key Person Insurance](https://spot.insure/compare/hub-international-vs-riskcube/key-person)

## Sources

### Founder Shield

1. [Founder Shield](https://foundershield.com/). Founder Shield; Opening broker description; Specialized Practices; Smart Tech, Smarter People; quote and sign-in links. Accessed 2026-09-15.
2. [Quote Portal](https://apx.foundershield.com/). Founder Shield; Public landing screen, Create Account and Sign In links. Accessed 2026-09-15.
3. [How Do You Decide Which Carriers to Approach?](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/). Founder Shield; FAQ answer on carrier selection: works exclusively with A-rated (AM Best) carriers, matched by industry appetite. Accessed 2026-09-23.
4. [What If Our Company Grows A Lot or Things Change During the Year?](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/). Founder Shield; Carl Niedbala answer, November 25, 2024: operational changes and coverage adjustments. Accessed 2026-09-15.
5. [Claims](https://foundershield.com/claims/). Founder Shield; Our Approach; How We Support Claims Management, steps 1–5; Make a claim link. Accessed 2026-09-15.
6. [Key Person Insurance](https://foundershield.com/coverage/key-person-insurance/). Founder Shield; What Is Key Person Insurance & CFI?; Who Needs Key Person Insurance & CFI?; What Does Key Person Insurance & CFI Cover? (Key Person Life/Disability components only; Founder Shield bundles a separate Contract Frustration Insurance product on the same page, which is out of scope for this record). Accessed 2026-09-23.
7. [About Us](https://foundershield.com/about-us/). Founder Shield; “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission. Accessed 2026-09-23.

### HUB International

8. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
9. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
10. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; People Protection list: Workers' Compensation, Employee Benefits, Key Person Life & Disability, Retirement Plan Solutions, Kidnap & Ransom. Accessed 2026-09-23.
11. [Executive Benefits Solutions for C-suite](https://www.hubinternational.com/products/financial-services/executive-benefits/). HUB International; Core Executive Benefits Offerings list including Key Person life insurance and Key Person disability insurance; target-client description; Contact HUB call to action. Accessed 2026-09-23.

### Key Person Insurance Guide

12. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; Key Person Life Insurance Q&A; Tips & Tools > Key Person Life Insurance; Tips & Tools > Disability Insurance. Accessed 2026-09-16.
13. [Life Insurance Buyer’s Guide](https://content.naic.org/sites/default/files/publication-lig-lp-consumer-life.pdf). National Association of Insurance Commissioners; Compare policy types p.5; premiums/beneficiary/application p.6; policy review pp.7–8. Accessed 2026-09-16.
14. [Key person protection](https://www.principal.com/businesses/protect-my-business/key-person-protection). Principal; Key person insurance > Key person replacement disability insurance; Key person life insurance. Accessed 2026-09-16.
15. [Specimen Application for Life Insurance](https://www.sec.gov/Archives/edgar/data/1043846/000119312517327052/d481410dex99e.htm). John Hancock Life Insurance Company of New York; filed with SEC; Insured p.1; owner/beneficiary and coverage details p.2; existing/pending pp.3–4; Business Insurance Q36 p.5; declarations p.6. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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